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The automobile telematics process and User-Based Insurance policy process is imparting a significant disruptive shift in the car insurance industry with innovative insurance policy policy models for customer convenience. The automobile telematics system and User-Based Insurance policy (UBI) are key trends in the car insurance business and expect a disruptive shift in the close future. The key is going to be to seek out the optimal/optimally net advertising lead generation system on the web, a system which teaches you a step-by-step process about how to construct your very own profitable list.